Financial Highlights
 2018 FQ12017 FQ1 2017 FQ4 
Period Ended3/31/20183/31/2017Y-Y Ch (%)12/31/2017 Q-Q Ch (%)
Balance Sheet ($000)   
Total Assets66,481,00065,463,0001.5666,288,0001.16
Total Net Loans44,700,00042,326,0005.6144,306,0003.56
Total Deposits52,963,00053,475,000 (0.96) 52,621,0002.60
Equity Attributable to Parent Company7,644,0007,730,000 (1.11) 7,679,000 (1.82)
Total Equity7,644,0007,730,000 (1.11) 7,679,000 (1.82)
Profitability (%)   
Net Income ($000) 238,000139,00071.22124,000367.74
Net Income Attributable to Parent ($000) 238,000139,00071.22124,000367.74
ROAA1.430.8756  bp 0.7568  bp
Core ROAA1.430.8657  bp 1.0538  bp
ROAE12.487.22526  bp 6.37611  bp
ROATCE15.298.72657  bp 7.43786  bp
Core ROAE12.487.15533  bp 8.82366  bp
Net Interest Margin3.513.3318  bp 3.483  bp
Reported: Net Interest Margin3.563.3818  bp 3.4511  bp
Efficiency Ratio60.1565.87 (572)  bp 61.52 (137)  bp
Noninterest Inc / Operating Rev20.2920.62 (33)  bp 20.91 (62)  bp
Balance Sheet Ratios (%)   
Loans / Deposits85.1279.93519  bp 85.102  bp
Securities / Assets24.6225.86 (124)  bp 25.04 (42)  bp
Total Equity / Total Assets11.5011.81 (31)  bp 11.58 (8)  bp
Tangible Equity / Tangible Assets10.1210.41 (29)  bp 10.21 (9)  bp
Tang Common Equity / Tang Assets9.269.31 (5)  bp 9.34 (8)  bp
Asset Quality (%)   
NPAs / Assets0.801.15 (35)  bp 0.84 (4)  bp
NPA Excl Restructured / Assets0.590.90 (31)  bp 0.63 (4)  bp
NPAs & 90+ PD / Assets0.831.20 (37)  bp 0.87 (4)  bp
NPAs / Loans & REO1.181.76 (58)  bp 1.24 (6)  bp
Nonaccrual & 90+ & OREO / Assets0.610.94 (33)  bp 0.66 (5)  bp
NPAs & 90+ PD / Loans & REO1.221.83 (61)  bp 1.29 (7)  bp
NPA & Loans 90+ / Tangible Common Equity + LLR8.4312.00 (357)  bp 8.75 (32)  bp
NCOs / Avg Loans0.040.43 (39)  bp 0.11 (7)  bp
Loan Loss Reserves / Gross Loans1.051.27 (22)  bp 1.16 (11)  bp
Reserves / NPAs88.4572.031,642  bp 93.05 (460)  bp
Loan Loss Provision / NCONM50.00NM(91.67)NM
Capital Adequacy  ()  
Tier 1 Common Capital (CET1) ($000) 6,333,4606,113,5023.606,239,3396.03
Tier 1 Capital ($000) 6,899,3116,823,1031.126,805,1905.53
Tier 2 Capital ($000) 770,396850,853 (9.46) 822,638 (25.40)
Total Capital ($000) 7,669,7077,673,956 (0.06) 7,627,8282.20
Total Risk-weighted Assets ($000) 51,779,36250,015,8293.5351,455,8642.51
Tier 1 Common Capital (CET1) Ratio (%) 12.2312.221  bp 12.1211  bp
Tier 1 Ratio (%) 13.3213.64 (32)  bp 13.2210  bp
Total Capital Ratio (%) 14.8115.34 (53)  bp 14.82 (1)  bp
Liquidity Coverage Ratio (%) NANANANANA
Leverage Ratio (%) 10.5310.82 (29)  bp 10.512  bp
Basel III Leverage Ratio (%) NANANANANA
Per Share Information ($)   
Common Shares Outstanding (actual) 197,050,000202,595,000 (2.74) 197,532,000 (0.98)
Avg Diluted Shares (actual) 210,243,000210,405,000 (0.08) 209,681,0001.07
Basic Book Value per Share35.9234.653.6736.01 (1)
As-reported Book Value per Share35.9234.653.6736.01 (1)
Basic Tangible Book Value per Share30.7629.613.8830.87 (1.43)
Reported: Tangible Book Value30.7629.613.8830.87 (1.43)
Common Dividends Declared per Share0.200.081500.16100
EPS after Extra1.090.6178.690.54407.41
EPS after Extra Growth (%) 78.7060.501,816  bp (10.0)8,869  bp
Core EPS1.090.6081.670.76173.68
Core EPS Growth (%) 80.5054.402,610  bp 21.505,901  bp
Diluted EPS before Amortization1.090.6275.810.54407.41
Pre-Provision Earnings per Share0.970.5867.240.72138.89
   Q-Q Ch(%)= most recent quarter minus prior quarter annualized e.g. [(Q4-Q3)/Q3]*4

  * Percentages presented for individual quarters are annualized by taking the quarter amount and multiplying by four.



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